repayment ability: based on rank information, the level of confidence the higher costs, the lower riskthe ability to switch out of money: the higher the cost, the lower the riskthe reputation of the subject borrowers: the higher the cost, the lower the borrowersthe tax rate, interest after tax: the higher the cost, the lower the riskinsolvency risk: the higher the risks of financial instruments, high level of clearing high risk, that is, interest rates will be higher and vice versa
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